Work out UK take-home pay after income tax, National Insurance and pension for 2026/27.
Please do not make financial decisions based on these results.
What is the Take Home Pay Calculator UK?
Work out UK take-home pay after income tax, National Insurance and pension for 2026/27. To use the Take Home Pay Calculator UK, enter gross annual salary, pension contribution, other taxable benefits; it returns annual take-home pay, monthly take-home pay, income tax, national insurance and more, and shows them instantly as you type.
Understanding UK tax in 2026/27
The take-home pay calculator applies the personal allowance, income tax bands and National Insurance in one step. Add a pension percentage to see how contributions reduce tax. Use the National Insurance Calculator for employer costs.
Property buyers should run the stamp duty calculator before bidding because the first-time buyer relief and the additional property surcharge change the bill significantly. Investors can estimate disposal tax with the capital gains tax calculator.
How to use the Take Home Pay Calculator UK
- Enter your numbers. Start with Gross annual salary (£), Pension contribution (% of salary), Other taxable benefits (£). Use real figures from your own records where you can. Fields marked optional can stay at zero.
- Read the result. The highlighted box gives the Annual take-home pay, and the cards below show Monthly take-home pay, Income tax, National Insurance. Tables and charts break it down further.
- Test other scenarios. Results update as you type. Change one value at a time to see what drives the answer, and press Reset to go back to the defaults.
Formula and how it works
Example with real numbers
Here is the Take Home Pay Calculator UK using the default values shown in the calculator above:
Inputs
| Gross annual salary (£) | 45,000 |
|---|---|
| Pension contribution (% of salary) | 5 |
| Other taxable benefits (£) | 0 |
Results
| Annual take-home pay | £34,119.60 |
|---|---|
| Monthly take-home pay | £2,843.30 |
| Income tax | £6,036.00 |
| National Insurance | £2,594.40 |
| Pension contribution | £2,250.00 |
With these inputs the calculator returns Annual take-home pay: £34,119.60. Change any value in the calculator to see how the result moves.
What if you change one input?
Sensitivity check: raising Gross annual salary (£) from 45,000 to 54,000 (about 20% higher) and leaving everything else as in the example above changes the results like this:
| Result | Example | After the change | Change |
|---|---|---|---|
| Annual take-home pay | £34,119.60 | £40,257.40 | +18% |
| Monthly take-home pay | £2,843.30 | £3,354.78 | +18% |
| Income tax | £6,036.00 | £7,952.00 | +31.7% |
| National Insurance | £2,594.40 | £3,090.60 | +19.1% |
| Pension contribution | £2,250.00 | £2,700.00 | +20% |
The input that moves the result most is the one to check twice. Change it in the calculator above to test your own case.
What the results tell you
The results panel of the Take Home Pay Calculator UK reports Annual take-home pay, monthly take-home pay, income tax, national insurance and pension contribution. Compare these figures while changing one input at a time, and use the related calculators below to look at the same situation from another angle.
Method and limits. This calculator applies the formula in the section above to your inputs, in your browser; nothing you enter is stored on our servers. The result is only as accurate as the numbers you enter and the formula shown above. It is for information, not financial, tax or legal advice.
Frequently asked questions
Is the personal allowance tapered?
Yes. It falls by £1 for every £2 of income over £100,000 and is zero at £125,140.
Which tax year do the UK tools use?
2026/27 for income tax, National Insurance and capital gains tax, and the stamp duty rates in force from April 2025. Rates for Scotland and Wales differ.
Are these calculators official?
No. They are estimates. Check GOV.UK or HMRC for the final figure.
Are the results guaranteed?
No. Results depend entirely on the numbers you enter and the formulas shown on this page. Please do not make financial decisions based on them alone; confirm important figures with a licensed professional.
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